Zheng Quan Zhi Xing·2025-03-27 11:02Group 1: Core Insights - The report evaluates the operational qualifications, business, and risk status of Guojin Finance Co., Ltd. [1] - Guojin Finance was established in September 2003 and is a non-bank financial institution, with its business scope including financial and financing consulting, credit verification, and internal transfer settlement among member units [1][2] - The company has a well-defined internal control system that includes a board of directors, supervisory board, and various specialized committees to ensure effective risk management [2][3] Group 2: Internal Control and Risk Management - Guojin Finance has established a comprehensive internal control framework that adheres to principles such as separation of incompatible duties, authorization, budget control, and independent auditing [4][5] - The company conducts annual internal control evaluations and audits to identify deficiencies and improve its risk management strategies [4][6] - The risk management framework includes credit risk, market risk, liquidity risk, operational risk, and information technology risk, all of which are integrated into the internal audit process [6][7] Group 3: Financial Performance and Regulatory Compliance - As of December 31, 2024, Guojin Finance reported total assets of 55.77 billion yuan and total liabilities of 51.51 billion yuan, with a net profit of 2.59 billion yuan for the year [8][9] - The company meets all regulatory financial indicators, including a capital adequacy ratio of 12.27%, which exceeds the minimum requirement of 10.5% [9] - Guojin Finance's investment total does not exceed 70% of its net capital, maintaining a ratio of 55.58% [9][10] Group 4: Relationship with Member Companies - The company maintains a secure and liquid deposit situation with Guojin Finance, with no delays in payments due to cash shortages [10] - The financial transactions between the company and Guojin Finance are conducted at fair prices and align with the company's operational needs [10]